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Upturn AI Summary - About
Inter & Co. Inc. Class A Common Shares(INTR)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for INTR
11/05/2026: INTR (1-star) is currently NOT-A-BUY. Pass it for now.
Inter & Co. Inc. is a leading Brazilian digital banking and fintech company operating a comprehensive 'super app' that integrates banking, credit, investments, and e-commerce. Its primary strengths lie in its low-cost digital business model and high user engagement within an integrated ecosystem, which has historically driven strong revenue growth. The primary investment story revolves around its potential to scale internationally and monetize its growing user base. However, the company faces material risks, including high sensitivity to Brazilian macroeconomic volatility, intense competition from digital-first and traditional banks, and regulatory oversight. The stock is generally better suited for growth-oriented investors who can tolerate high volatility and have a long-term outlook.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | The company is in an active expansion phase with a focus on capturing market share in the digital banking space. |
| Momentum investor | Mixed fit | Momentum fit is conditional on a positive trend in user growth and consistent earnings surprises. |
| Value investor | Weak fit | The company trades primarily on growth and ecosystem metrics rather than traditional valuation multiples like P/E. |
| Dividend investor | Weak fit | The company does not currently pay a dividend, prioritizing capital reinvestment for expansion. |
| Low-risk investor | Weak fit | Emerging market exposure and high volatility make this unsuitable for risk-averse investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock is subject to significant fluctuations due to its growth-oriented nature and emerging market focus. |
| Valuation risk | Medium / high | Market sentiment heavily influences valuation, which can disconnect from fundamental performance. |
| Competition risk (Fintech) | High | Intense competition from well-funded neobanks and legacy institutions threatens market share. |
| Business quality | Medium | The super app model has high potential but requires successful execution across diverse product lines. |
| Dividend income | Low / none | Investors should not expect income generation from this holding. |
| Execution risk | Medium / high | Successfully scaling international operations and maintaining credit quality is complex. |
Price Behavior
Steep Decline
The stock price has dropped sharply with strong downward pressure.
Extreme Price Shocks
The stock has experienced exceptionally large and disruptive price movements during the period.
Analysis of Past Performance
Type Stock | Historic Profit -43.86% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/05/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.75B USD | Price to earnings Ratio 6.09 | 1Y Target Price 8.91 |
Price to earnings Ratio 6.09 | 1Y Target Price 8.91 | ||
Volume (30-day avg) 13.8M shares | Beta 1.02 | 52 Weeks Range 3.75 - 10.23 | Updated Date 11/04/2026 |
52 Weeks Range 3.75 - 10.23 | Updated Date 11/04/2026 | ||
Dividends yield (FY) 15.93% | Basic EPS (TTM) 0.65 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Banking & Credit | Interest income from loans, card fees, and account services. | The company earns money primarily by lending money and processing payments. |
| Marketplace & Services | Commission from e-commerce sales and insurance brokerage. | They take a cut of the sales made through their integrated app platform. |
| Investments | Trading commissions and management fees for investment products. | They generate fees from users managing and investing their savings. |
Earnings Date
Report Date 2026-11-12 | When After Market | Estimate 0.19 | Actual - |
Profitability
Profit Margin 22.92% | Operating Margin (TTM) 29.73% |
Management Effectiveness
Return on Assets (TTM) 1.73% | Return on Equity (TTM) 16.2% |
Valuation
Trailing PE 6.09 | Forward PE 10.79 | Enterprise Value 15.89B | Price to Sales(TTM) 0.26 |
Enterprise Value 15.89B | Price to Sales(TTM) 0.26 | ||
Enterprise Value to Revenue 2.66 | Enterprise Value to EBITDA - | Shares Outstanding 325.79M | Shares Floating 246.21M |
Shares Outstanding 325.79M | Shares Floating 246.21M | ||
Percent Insiders 24.57 | Percent Institutions 41.37 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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